News

Q&A

Along with the release of the finalised MediShield Life report yesterday, the committee behind the insurance explained some of the recommendations in the new scheme.

1 What was unsatisfactory about the Integrated Shield Plans (IPs) system that prompted the suggestion of reviewing them?

There is poor understanding of IPs due to the complex nature of health insurance. The variety of plans by different private insurers adds to the confusion.

2 Will the premiums increase after the first four years, where there is transitional subsidy?

There will unlikely be any change in the next five years, but it is not realistic to expect the premiums to stay the same in the future because of factors like inflation.

3 How did the Government arrive at bearing 75 per cent of the cost of covering patients with pre-existing medical conditions?

We first decided on the premium increments - 30 per cent risk-loading on those with pre-existing conditions and 3 per cent increase for all Singaporeans - and if we think that is a fair amount, the remaining amount has to be borne by the Government.

4 Why aren't certain conditions like dental expenses covered, given that it could be a necessary treatment for some?

There are always trade-offs. We wanted this to be affordable, sustainable and universal. We have to balance them with having an expanded wish list of all kinds of coverage.

There are already numerous subsidy schemes available for outpatient treatments. We felt that the purpose of this scheme is more for big illnesses.

The list of conditions excluded from the scheme is not exhaustive. We have also asked the Health ministry to review the list periodically.


There are already numerous subsidy schemes available for outpatient treatments. We felt that the purpose of this scheme is more for big illnesses.

- Committee behind MediShield Life